I’m Going To Get Sued For This | Financial Audit
Published: 2025-05-16
Status:
Available
|
Analyzed
Published: 2025-05-16
Status:
Available
|
Analyzed
Predictions from this Video
Incorrect: 3
Prediction
Topic
Status
The speaker predicts that content similar to that found on OF will be considered 'old news' in 10 years.
"I feel like it'll be old news in 10 years."
Pending
Student loan interest rates below 6% are described as extremely rare.
"they're providing interest rates under 6% which is practically a unicorn in the student loan jungle."
Pending
Refinancing student loans can lead to lower monthly payments, allowing for discretionary spending.
"So, if you're tired of monthly payments so high that you can't afford a single sweet treat, why refi's got you."
Pending
Refinancing can simplify repayment plans and potentially relieve co-signers of their obligation.
"They'll arrange your repayment plan, ease the monthly hit, and even let your poor co-signer off the hook."
Pending
The refinancing company has high customer satisfaction (4.6 stars on Google) and provides personalized service, which is unusual in the finance industry.
"4.6 stars on Google says why Refi actually picks up and treats you like a real human, which is a shocker, right? In finance, that's something as rare as me not slamming a desk every episode."
Pending
Refinancing is presented as a legal alternative to extreme financial desperation like robbing a bank.
"So, if you're done fantasizing about robbing a bank, don't do that."
Pending
Refinancing is promoted as a viable solution for eliminating student loan debt, avoiding extreme measures.
"They're here to help you actually crush these loans without selling your kidneys on the black market."
Pending
Carrying significant debt into old age is presented as a poor retirement outcome.
"living with crippling debt till you're 90 is not the retirement plan you dreamed of."
Pending
Employers are increasingly prioritizing job-specific skills over traditional college degrees.
"companies are hiring based on the skills needed, not broad college degrees."
Pending
The trend of companies eliminating degree requirements for employment is expected to increase.
"one in three companies are dropping degree requirements, and that number is only going to continue to grow."
Pending
The trend of companies dropping degree requirements is expected to accelerate.
"In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow."
Pending
Course Careers is presented as a way to start a new career quickly and affordably, avoiding time and debt.
"So, if you're serious about starting a new career without wasting years, or piling up debt, give Course careers a try."
Pending
The Amazon card has a 30% interest rate, which is noted as high.
"It's 30% interest. So, great. The Amazon one is Mhm. I thought my PayPal had the highest um interest. It might, but this regardless is still a 30."
Pending
The speaker describes the individual as having an addiction to making purchases.
"You're addicted to the world of purchase."
Pending
The individual's spending habits are characterized by a need for excessive personal items and frequent trips.
"You need endless lashes. You need endless clothing. Look what you did in your thing. You You have endless trips."
Pending
The purchases made are not necessities but rather desires.
"Those aren't needs, but you do them."
Pending
The speaker argues that while debt may not matter at the point of death, the choices leading to it will make life difficult.
"The debt don't matter at that point, does it? Debt don't matter at that point. But you're going to destroy your entire life until the debt deathbed. You're going to make your entire life hard."
Pending
The speaker suggests the individual's current lifestyle necessitates unsustainable working hours.
"You are forcing yourself to work 80 hours every week until you die. And your body won't be able to do that when you're older."
Pending
A dealership suggested purchasing a new car as the only solution to existing negative equity on a previous vehicle.
"They said the only way to get out of my ne negative equity was to get a brand new car."
Pending
A dealership claimed to be the only entity willing to absorb the $12,000 negative equity.
"They said, what was your negative equity? $12,000. Cool. And they said no one else was going to pay it off with them."
Pending
By paying off negative equity and getting a less expensive car, the loan amount could have been significantly reduced.
"Then you would have a $22,000 loan instead of a $31,000."
Pending
The individual's significant medical debt is linked to a cosmetic procedure.
"he has no credit. How much of medical debt? Uh, right now it's a twink enhancement surgery."
Pending
A car wreck at 18 without insurance led to medical debt because he was not covered by his parents' insurance.
"He was 18 and he didn't have insurance and he went to the hospital for like a car wreck, I think. Nothing serious, but why wasn't he on his parents' insurance?"
Pending
Legal action was taken due to unpaid medical bills, resulting in wage garnishment, with the debt currently exceeding $10,000.
"They sued him and now he gets some garnish basically. So um I think it's uh 10,000 something right now."
Pending
A previously purchased and paid-off car was wrecked by the recipient shortly after the payment was made.
"The first car I bought him, he um he wrecked it and I had just paid it off too and he wrecked it literally the next week."
Pending
Both vehicles owned by the couple have a significant negative equity value.
"This is insane negative equity in both cars."
Pending
Despite a high income, the speaker is deferring student loans, believing the impact is minimal.
"And I've been deferring those since I got them. And Oh, good. Well, they just we make 600,000 or we make over $100,000 a year? They just don't make me pay them and I feel like it's not hurting me that bad."
Pending
The speaker criticizes the decision to take expensive vacations while deferring student loans.
"It is [ __ ] [ __ ] that you are going on a Disney cruise but not paying back your loan from the people of this country."
Pending
The checking account has experienced multiple overdrafts.
"Immediate overdraft. Overdraft. Double overdraft at theing top of the checking account."
Pending
Overdraft fees are being incurred, and the speaker suggests they are deserved due to irresponsible spending.
"Yeah, it'll charge a $27 fee each. Good. Yeah, you deserve it."
Pending
The individual spends impulsively on various items.
"You just spend on anything you want. You just around."
Pending
The speaker expresses distrust in the necessity of small, frequent purchases.
"Sometimes I don't trust the going out and getting some bull at the gas station."
Pending
A pattern of frequent and seemingly unnecessary food and convenience purchases is identified.
"Uber Eats. Uber Eatats. McDonald's. Uber Eats. Guacamole. Going in and getting some BS. Getting some BS. Dairy Queen. BS. Hux. BS. BS. BS."
Pending
An ATM withdrawal of $123 from Amazon is noted with uncertainty about its purpose.
"Amazon ATM with draw 123 $123. Who knows where that went?"
Pending
Purchases at a nail salon are characterized as non-essential ('BS').
"Nails and Spa. Oh, BS."
Pending
A purchase related to smoking is noted, with speculation about who is responsible.
"Smoking. Who's the smoker? Smoking bong for this one. Who's theing uh pinned society?"
Pending
The speaker denies being the smoker and makes a generalization about nurses' weight.
"You. No, I work in a hospital. Yeah, I see a lot of fat nurses."
Pending
The smoking habit is attributed to 'him' and is described as expensive and calming.
"Well, I'm not one of those. Uh, it's it's him and it just calms him down, you know, but it is an expensive habit."
Pending
Spending includes gambling (DraftKings), fast food, and unspecified purchases.
"DraftKing. Draft King. Sonic drive-thru ATM with draw $50. Went and got some BS."
Pending
The speaker states that the person with student loans must defer them due to insufficient income.
"Guys, these the She has to defer her student loan. She doesn't make enough money."
Pending
The individual makes repeated purchases at luxury nail salons and also spends on entertainment like Disney on Ice.
"Luxury Nails twice in the month. Crack a Barrel. Disney on Ice for sake."
Pending
The speaker questions the claim of knowing all financial numbers, as it contradicts previous statements.
"The CEO of the finances that knows all her numbers, man. Which is what you literally said less than 5 minutes ago."
Pending
A wide variety of food and retail purchases are listed, many categorized as non-essential.
"Uber Eats, Stray Dog, Amazon, Starbucks, Raising H, IHOP, Dollar Tree, getting some bull. Getting some bull Arby's."
Pending
A situation is highlighted where one partner must secretly make a small purchase due to the other's spending control.
"But guys, he has to go behind her back to go get McDonald's once."
Pending
There is uncertainty and a lack of transparency regarding money transfers and savings between the partners.
"Is this his cash app? No, I think your cash app. Yeah, just moving money back and forth. I don't see savings."
Pending
The amount in retirement savings is questioned in relation to having a 401k.
"Retirement 8,000. But you have a 401k?"
Pending
Multiple subscription services are identified, with a particular focus on the cost of Patreon.
"Apple Music Discovery Plus, Discoverying Plus. Come on. I know. iCloud Plus, Patreon, $15 a month."
Pending
The speaker claims their YouTube membership offers better value than a $15/month Patreon subscription.
"I guarantee you they have less content than our YouTube membership for $10 a month."
Pending
Significant spending on Amazon, Walmart, dining out, and unspecified 'large purchases' is highlighted.
"This lady's bull itself was nearly $800. Unknown shopping. That's Amazon. Walmart $1,200. Large purchases $1,600. Going out to you was almost $900."
Pending
The total monthly debt payments amount to over $2,110.
"$2,110.30 for debt payments."
Pending
Rent constitutes 8% of the net household income.
"Your rent is 8% of your net income."
Pending
Estimated monthly costs for internet, water, and electricity are provided.
"So internet's 75. Uh water is about like 110 and electric's about like 200 to 250. I'd say call it 225."
Pending
The speaker's father continues to pay for her phone bill despite her high income, and she does not have it removed.
"My dad. Mhm. And he's just never taking me off. But I pay six figures. Sure. For sure. Sure."
Pending
A recommendation is made to switch to Helium for a significantly cheaper phone plan.
"I switch to Helium and get that $15. It's just a cheap phone."
Correct
Monthly gas expenses are estimated to be between $200 and $300.
"So, I'd say monthly I'm spending probably like I don't know two or 300 in gas."
Pending
The combined monthly cost for car insurance for both vehicles is $367.
"car insurance is 367 for both."
Incorrect
The grocery budget of $200 is considered insufficient, and the speaker expresses concern about adequate food provision.
"Groceries are about like 200. No, you're not deciding what the groceries are. You're going to meal prep and you're doing stuff. I'm not We're not I don't give a They will starve. Except they won't cuz they will eat. Stop spoiling them. I just at this point I'm just happy if they eat."
Incorrect
Weekly cat food cost is $5, totaling $20 per month.
"I buy like a bag a week. Um like $5 per week. Yeah. 20 bucks."
Correct
It is projected to take 35 months to eliminate debt and then an additional period to build a fully funded emergency fund.
"35 months, just under 3 years, 6 months to get a fully funed emergency fund after that."
Pending
The speaker criticizes the individual's choice not to address debt, attributing it to entitlement and spoiled behavior, which will jeopardize their future.
"This is the easiest dumb thing. You just choose not to cuz you feel like you deserve it. You're entitled, just spoiled, and then you won't even talk to him about money. And good luck having a future."
Pending
The speaker expresses frustration with individuals who could easily resolve their debt by taking simple, minimal actions.
"Nothing enrages me more like actually makes me defeated than someone that is very clearly able to get out of debt. If they literally did the bare minimum, bare minimum."
Pending
Scores are assigned to different financial categories: debt collections (0/10), emergency fund (0/10), and retirement (5/10, considered behind for their age).
"Debt, there's collection 0 out of 10. Emergency fund. I didn't see savings. You said there was savings. Zero out of 10. Retirement. There's a bit of retirement definitely behind for our age, but there's about five out of 10."
Pending
Household financial score is rated 3/10, with real estate having a score of 0/10 as it's not yet a focus.
"Uh, well, actually, if we're taking it for the full household though, I'm going to do three out of 10. Real estate, not there yet. Zero out of 10."
Pending
The overall Hammer financial score is 1 out of 10.
"Hammer financial score, one out of 10."
Pending
A statement from the fiance indicates a potential end to the relationship based on distrust.
"He says, 'Everyone told me I shouldn't have trusted you to go.' What? What? Nah, I'm mad. I'm big mad. This is relationship ending mad."
Pending
A statement suggests the engagement is over due to distrust.
"You guys are engaged. So I guess we are done. Have fun figuring your life out."
Correct
The speaker questions whether infidelity has occurred in the relationship.
"What the Is there history of cheating?"
Pending
Significant unexplained spending is detailed across various platforms and activities.
"This lady's bull itself was nearly $800. Unknown shopping. That's Amazon. Walmart $1,200. Large purchases $1,600. Going out to you was almost $900."
Unrated
Despite a net monthly income of $8,800, the individual prioritizes 'fun' over debt repayment, leading to financial distress.
"Total household income 8,800 on a monthly basis net in the current situation. Your debt payments. Let's add out these guys. I don't know why you guys have done this to yourself, but it's just because I need fun."
Correct
Monthly debt payments total over $2,110.
"$2,110.30 for debt payments."
Correct
The speaker describes the financial situation as 'stupid' due to poor choices.
"What a stupid situation. What a stupid situation."
Pending
The total amount of bad debt is reported as $98,000.
"You have $98,000 of bad debt."
Pending
The speaker outlines a debt-free timeline but criticizes the individual's entitlement and lack of communication about money, which will negatively impact their future.
"35 months, just under 3 years, 6 months to get a fully funed emergency fund after that. This is the easiest dumb thing. You just choose not to cuz you feel like you deserve it. You're entitled, just spoiled, and then you won't even talk to him about money. And good luck having a future."
Incorrect
The speaker expresses extreme frustration with individuals who have the capacity to resolve their debt but choose not to.
"Nothing enrages me more like actually makes me defeated than someone that is very clearly able to get out of debt. If they literally did the bare minimum, bare minimum."
Pending
The speaker points out that the individual has a generous allowance for fun, could pay off debt quickly, but fails to do so due to poor allocation of funds.
"I give you a lot for uh having fun on a monthly basis that other people do not get and you could pay this off at under three years. That is a blessing compared to most people off spending a budget technically slightly spent under what you made. It wasn't very good though and the money wasn't going to the right places."
Pending
Financial health is assessed with low scores for debt collections and emergency funds, and a moderate score for retirement savings (considered behind for their age).
"Debt, there's collection 0 out of 10. Emergency fund. I didn't see savings. You said there was savings. Zero out of 10. Retirement. There's a bit of retirement definitely behind for our age, but there's about five out of 10."
Unrated
The overall household financial score is 3/10, with no progress in real estate.
"Uh, well, actually, if we're taking it for the full household though, I'm going to do three out of 10. Real estate, not there yet. Zero out of 10."
Pending
The overall Hammer financial score is critically low at 1 out of 10.
"Hammer financial score, one out of 10."
Pending
The fiance expresses regret and distrust about allowing the speaker to attend an event.
"He says, 'Everyone told me I shouldn't have trusted you to go.'"
Pending
The situation is described as severe enough to potentially end the relationship.
"This is relationship ending mad."
Pending
A public post reveals a potential breakup and questions the validity of the engagement due to distrust.
"Now, I saw your Reddit post to Hot Wives of Austin before you went down there. You guys are engaged. So I guess we are done. Have fun figuring your life out."
Pending
The speaker inquires about past infidelity in the relationship.
"What the Is there history of cheating?"
Pending
Prediction that the subject will not be able to own a house, pay for children's college, or retire due to current financial habits.
"You're never going to get a house. You're never going to pay for your kids' college. You're never going to retire and you're going to be over their future."
Pending
Prediction that the current relationship is likely to end due to destructive financial behavior and prioritizing temporary pleasure over long-term goals.
"And it's he's already talking about breaking up. So yes, yeah, you like to have a good time. Great. Those good times are not going to last very long because you're absolutely destroying your life for the temporary satisfaction of dopamine releases of going on a little trip to Nashville last weekend, Disney in the future, Jamaica, whenever the I don't care."
Pending
Prediction that a debt of under $2,000 will take 12 years to pay off due to interest and minimum payments.
"So um I'm thinking like 2 years, huh? Add 10 to that. It's a 12-year thing for under 2,000."
Pending
Prediction that the subject will maintain their debt indefinitely, similar to the average American.
"You're going to be like the average American, you just maintain your debt forever."
Pending
Prediction that without addressing debt, emergency funds, and retirement, the subject's children will face financial hardship and have to support their parents in adulthood.
"You're not going to live the life you want to live unless you get out of this debt, get a fully funed emergency fund, get retirement on track, you'reing over your kids because you're not going to be able to pay for their college if you want to. Not that you're required to and you'reing them over because when they're going to be in their adulthood, mommy and daddy aren't going to have any money for retirement."
Pending
A statement suggesting the relationship is over, implying a breakup is imminent or has occurred.
"You guys are engaged. So I guess we are done. Have fun figuring your life out."
Pending
The speaker believes her financial situation is a six or seven out of ten, despite having nearly $100,000 in bad debt. This suggests an optimistic or potentially unrealistic self-assessment of her financial health.
"I'd say right now in this moment, we're at like a six or a seven maybe. How you're on this show? You've been accepted to this show. Yeah. No one above a five is coming on the show. I'd be bored of my brain. Why the do you How do you think you're that well? What is going on in your life that is that well? I see nearly $100,000 of bad debt."
Pending
This statement challenges the previous optimistic assessment, highlighting the significant amount of bad debt as a major obstacle to financial improvement.
"We're we're getting there for sure. I don't think you are. You have $100,000 of bad debt."
Pending
A debt of under $2,000, with interest and minimum payments, is projected to take 12 years to pay off. This highlights the significant impact of interest and minimum payment strategies on long-term debt reduction.
"So, um I'm thinking like 2 years, huh? Add 10 to that. It's a 12-year thing for under 2,000. Really? Yes. Because of the interest and the minimum monthly payment. And listen, that's without you purchasing, which again, we know you love the purchase."
Pending
A car loan of over $31,000 with a high interest rate is considered the 'good' loan, indicating a problematic overall financial situation concerning vehicle debt.
"The other one it's not it's worse. So, that's the good one. The good one. That's what I would say. What do you think it's worth? again. You know, $31,833."
Pending
The speaker criticizes a decision to roll over $12,000 in negative equity into a new car loan, suggesting a more financially prudent approach would have been to take out a separate loan for the negative equity and then a smaller loan for a less expensive car, resulting in significantly less overall debt.
"The one dealership you went to? Yeah, the one dealership. The one singular dealership you went to. They said, 'What was your negative equity?' $12,000. Cool. And they said no one else was going to pay it off with them. Nope. I may have tried to figure out a way if your credit wasn't, which it probably is, to borrow $12,000, pay it off that way, have that $12,000 paid off as an individual loan, then go get a $10,000 car with a $10,000 loan. Then you would have a $22,000 loan instead of a $31,000."
Pending
A statement from the fiancé, indicating a significant breach of trust related to the speaker's actions, has led to extreme emotional distress and the potential end of the relationship.
"He says, 'Everyone told me I shouldn't have trusted you to go.' What? What? Nah, I'm mad. I'm big mad. This is relationship ending mad. That's when I started panicking."
Pending
The fiancé's Reddit post and subsequent statement suggest the engagement is over and the relationship has ended, possibly due to a violation of trust revealed on a public forum.
"Now, I saw your Reddit post to Hot Wives of Austin before you went down there. You guys are engaged. So, I guess we are done. Have fun figuring your life out."
Pending
The speaker predicts that the concept of 'OF' (OnlyFans) will be considered 'old news' in 10 years.
"What do you think it's going to be in 10 years? I feel like it'll be old news in 10 years."
Pending
Student loan refinancing interest rates under 6% are described as exceptionally rare ('practically a unicorn').
"they're providing interest rates under 6% which is practically a unicorn in the student loan jungle."
Pending
A car loan interest rate was reduced from over 11% to 9% after refinancing.
"So, um, now it's 9% now. Yeah, it was um 11 something."
Pending
The speaker has been deferring student loans despite a high household income, believing it's not currently detrimental.
"And I've been deferring those since I got them. And Oh, good. Well, they just we make 600,000 or we make over $100,000 a year? They just don't make me pay them and I feel like it's not hurting me that bad."
Pending
A debt balance of under $2,000 is projected to take 12 years to pay off, considering interest and minimum payments.
"How long do you think this takes to pay off? So, um I'm thinking like 2 years, huh? Add 10 to that. It's a 12-year thing for under 2,000."
Pending
A car, with a loan balance of over $31,000, is estimated to be worth only $20,000.
"Well, when I looked it up the other day, it said it's only worth 20,000."
Pending
A car loan interest rate was reduced from over 11% to 9% after refinancing.
"What's the interest rate? So, um, now it's 9% now. Yeah, it was um 11 something."
Pending
Student loan refinancing interest rates under 6% are described as exceptionally rare ('practically a unicorn').
"They're providing interest rates under 6% which is practically a unicorn in the student loan jungle."
Pending
The speaker predicts that the content platform 'OF' will be considered 'old news' within a decade.
"What do you think it's going to be in 10 years? I feel like it'll be old news in 10 years."
Pending